Device fob



G. E. DICKSUN. I

DEVICE FOR PROVIDING RAILROAD ACCIDENT INSURANCE. APPLICATION FILEDAuG.2I,1922.`

ReiSSueasepI.26,1922Q 15,459.

.l IND/7 INSU/VENCE PRE/mum Reef/Pr Tlf/s CERT/Fles WE/Wan? r ReissuedSept. 26, 1922.

UNITED STATESA PATENT OFFICE.

GEORGE E. DICIISON, VOF EVANSTON, ILLINIS.

DEVIE FOR PROVIDING RAILROAD-ACCIDENT INSURANCE,

lOriginal No. 1,408,175, dated Eebruary 28, 1922, Serial No. 376,544,filed April 26, 1,920. Application for reissue filed August 21,

To all wlw/m, it 'may concern:

Be it known that I, GEORGE E. DIoKsoN, a citizen of the United States,and a resident of Evanston, county of Cook, and State of Illinois, haveinvented certain new and useful Improvements in Devices for ProvidingRailroad-Accident Insurance, of which the following is a specification.

Numerous attempts have been made to provide means for insuringpassengers in conjunction with a railroad tripl` None of' the proposedmeans have met with any degree of success for one or more reasons, andwhile it is possible to purchase accident insurance at some ticketoiiices, the passenger agents are told not to urge the sale of suchinsurance because of the time and trouble incident to the issuance ofthe policy. This course is pursued in the face of the fact that therailroad company receivesa substantial percentage of the premium paidfor the policies issued by its agents.

Again it has been proposed to issue an insurance policyas a part of a,railroad ticket, but such proposal has not proven practicable for anumber of reasons among which may be noted the large size of the ticketrequired, the diicult'y, and, in fact, impossibility, of complying withthe laws of dilferent States relative to standard provisions of suchpolicies, the size of t-ype in which insurance policies must be printed,and1 the work involved in the issuanee of such insurance.

The general object of my invention is to provide devices for issuinginsurance to 1922. Serial No. 583,067.

policies can' be complied with, and at the same time include any and alladditional V provisions that may be necessary fully and completely todefine the insurance risk.

My invention consists generally in means whereby the above named objectstogether with others that will appear hereinafter are attained, and myinvention will be more readily understood by reference to theaccompanying drawings which illustrate suitable means' whereby theinvention can be practised.

,In said drawings:

Fig. l is a face view of a device used in issuingv insurance. to apassenger and em- `bodying my invention.-

Fig. 2 is a view-of the. reverse side of the device shown in Fig. l.

Fig. 3 is a face view of a device-similar to that shown in Fig. `1 butcovering transportation between diii'erent points; and

Fig. 4 is a perspective view of a device which is related. to thedevices shown in Figs. l, 2 and 3.

I shall first briey describe thedevices shown inthe drawings and thenfollow with a statement of the method of use wherein their co-operativefunctioning occurs.

1,'represents a ticket such asis provided for the passenger agentforvuse in issuing to passengers.V v

2, represents a blanket accident insurance policy, the original of whichis on tile with the general passenger agent of the railroad., Device 1,may vary widely with respect to railroad passengers whereby it shall bepossize, printed matter thereon, and with resible Jfor railroad ticketagents to issue inspect to the divisible parts thereof but .it surancewith such ease that the time refwill always embody certain of thefundaquired shallnot be appreciably more than is required merely toissue a transportation ticket.

Another object of my invention` is to provide devices forissuing'insurance to railroad passengers in .conjunction with a passageticket whereby the size of the ticket can be as small as desired, thusenabling the handling thereof withc the usual railroad passenger ticketfacilities, and also effecting the saving of an enormous amount ofpaper.

Again it is an object of my invention to provide devices yfor issuinginsurance to railroad passengers in conjunction with a pas.-

sage ticket whereby the requirements of the laws of all States as toystandard provisions mental characteristics shown in the drawings. Ashere shown, device l, is divided y into three easily separable parts 3,4 and 5 as by means of scoring 6 and 7. On its face side part 3 bears aninscription of such character as to furnishthe railroad auditor A withdesired information.

of portion 4, I provide printed matter 9, which in substance indicatesthat it is a receipt 4certifying that the passenger whose name is signedon this portion has paid a premium such as will entitle him to thebenefits ofthe insurance provided by blanket-insurance policy 2. As hereshown, the reverse side of .portion 4 is provided with a line 10 forsignature of passenger.

On the face side` ticket issued and `Portion 5, inthe present instance,is provided with an inscription 11 indicative of the transportation towhich passenger is entitled. i Portions 3, 4, and 5 are provided with'similar identifying numbers indicated at 12,

13 and `14, respectively.

APortion 4 bears, as at 15, a number and date which corresponds to thenumber and date 15 which the blanket accident insurance policy 2, bears.i

he operation and use are as follows: The railroad and the insurancecompany enter into aninsurance contract. This contract or policinsurance policy (illustrated in Fig. 4, and defines fully andcompletely the risk that the insurance company assumes). Such a policy,in order to state the risk definitely, will be of considerable size,probably three or four pages of legal size, but this can` be as large asnecessary and can be printed in type suiiiciently large to ,comply withthe laws of any and all States because but a single policy is issued tothe railroad company. But what is even more important,

this cancontain the standard provisions reuired by the laws of all ofthe leading tates. This policy is kept o-n file by the railroad Where itmaylbe examined by any one having an interest therein. Also copies ofthis policy may be provided so that any one interested may, uponrequest, secure a copy from any ticket agent. i ik passengerin'fpurchasing a ticket merely states whether or not he wants insuranceand if so he is given portions 4 and 5, which will thereupon be stam edwith the date of issuance on the back t ereof as indicated by means ofdotted lines at 16, and 17. This the agent can easily do as he must dateevery hence has .proper facilities. Inasmuch as portion 4 is a merereceipt and not an insurance policy it can be made to conform to thesize of the transportation part, if desired, for convenience of issuanceand handling by the ticket agent.

When issuing the transportation with the insurance receipt a sum equalsay to one per cent of the cost of the ticket is added and paid for bythe passenger., This amount is I `ample to provide insurance up .to$5000.00

portion 5`to him in the for thev trip.

Thepassenger merely signs his' name on portion 4 at line 10, as a meansof identiication, and retains this as his receipt in case it isnecessary to claim a benet under blanketaccident insurance policy 2, atany time.` If the passenger does not desire insurance protection theticket' agent merely issues retaining The 'rai portion 4 in his iile.4 v-road companyreports to the in` is entitled blanket accident' usual;manner, thusL surance company from day to day theA premiums received,which it and with respect to which no portion 4 remains. The portion l2,i. e., auditors stub is not essential, but is shown as some railroadsusei tion indicates that transportation or passage is furnished betweendifferent points. The premium receipt portion, however, is the same asAthat of the device shown in Fig. 1, and it bears the same identifyingmark 15.` Thus it relates to blanket accident vinsurance policy 2, inthesame manner. This illustrates the point that the'transportation portionmay and will vary as desired but that the premium receipt portions willbe alike.

The many ladvantageous features .of the invention will be understood bythose skilled in this art without further comment.

I claim: 1. Means for use in providing insurance for travelersconsisting of a transportation ticket and an insurancev premium receipt,

said transportation ticket and insurance premium receipt. being suitablyidentified vrwith each other, the ticket bearing printed i matterindicating' the transportation covered.

-by it and the receipt bearing a printed statement indicating that theholder is insured under a specified blanket insurance policy.

2. As an article of manufacture, a device for use in providinginsurancefor travelers, consisting of a"transporta tion ticket and an attached`insurance premium receipt, said ticket and receipt being suitablyidentified with each other and: the ticket bearing Jprinted matterindicating the transportation covered by it and the receipt bearing aprinted statement lindicating that theholder is insured under a.speciiied blanket insurance policy. e

3. ticket-insurance premium receipt device, in combination with ablanket accident insurance policy vhaving a statement inscribed thereongranting protection to per# sons while in the use can readily do by.counting the' tickets that have been issued of transportationI tickets,said ticket-insurance premium re-,

insurance premium/ Fig. 1 except thatthe transportation-pop iopidentifying it with

